Re: Backdoor Numbers

tk-2018 · ‎02-04-2019

Can I tried the current number and spoke to someone but they didn’t really help me out at all

Chapter 7 6/22.
Fico 8's As of Jan. 15, 2023:

Ollo Platinum Rewards Mastercard $1000 CL

Verge 750

FinStar · ‎02-04-2019

@tk-2018 - the Comenity verification number can usually work for most of their partner products, but not for all of them.

While it sounds like you'd like to get a head start on things, your best bet is to wait until you receive the letter.

Hockeypnc1 · ‎02-09-2019

Discover retention department number is incorrect

UncleB · ‎02-10-2019

@Hockeypnc1 wrote:
Discover retention department number is incorrect

Thanks... updated.

Baphometsangel · ‎04-12-2019

Called Bank of America today - Credit Reconsideration Line and immediately got through to someone.

1-800-354-0401

Starting Score: 600
Current Score: 657
Goal Score: 720

Take the myFICO Fitness Challenge

ZackAttack · ‎04-23-2019

@Baphometsangel wrote:
Called Bank of America today - Credit Reconsideration Line and immediately got through to someone.

1-800-354-0401

What did you apply for? BofA's newest cash rewards card?

Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023

Anonymous · ‎05-08-2019

Why does this never work for me? The agents literally chuckle at me when I mention reconsideration. The other thing is the SCT... that's a joke as well.

MyDataMyChoice · ‎05-08-2019

@phillynythecreditguy

What banks are you trying to reconsider

What does your profile look like? FICO scores? etc?

November 2023 - Home Depot Credit Card SL $500

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

Anonymous · ‎05-08-2019

Thanks for the reply:
TU- 670ish, 0 inq
EQ-630, 2 inq
EX- 666, 4 inq

AAoA is very low due to identity theft, Util a bit high (45% ), average 17 open accounts, 8 closed, No baddies/bk/collections/ derogatory, etc

Anonymous · ‎05-08-2019

Also, I'd like to have a presentation of my cards. How do you do that?

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